Abstract: An online banking system and method for a financial institution is provided where a savings account and a spending account is provided for a customer of the financial institution. The customer of the financial institution can receive a discount on one or more goods from an entity other than the financial institution based on one or more criteria provided by the financial institution, such as the value of the savings account. The goods from the entity can be purchased from funds in the spending account, and the amount of the discount can be credited to the savings account.